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Ministry Of Finance

Pradhan Mantri Jan Dhan Yojana

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In August 2014, the introduction of the Pradhan Mantri Jan Dhan Yojana came as a National Mission for Financial Inclusion. It has the purpose of accessing most financial services for citizens and making it simple for them. These include basic deposit and savings accounts, credit, remittance, pension, insurance, and others available with an inexpensive pay range. The Indian Prime Minister came up with the idea of the Jan Dhan Yojana to ensure that the citizens can envisage their financial activities securely across the country.

PMJDY aims at covering every household with a basic Bank Account and a RuPay Debit Card. It can have an inbuilt insurance cover worth ₹100,000. Moreover, it also includes an overdraft facility of up to ₹5,000. Furthermore, the mission of PM Jan Dhan Yojana also includes Direct Benefit Transfer under the Indian Government schemes. The long-term goal of the scheme is to extend the Financial Literacy Program to the grassroots levels of villages.

Jan Dhan Yojana is, therefore, an essential and ambitious scheme from the Indian Government. The ultimate objective is to enable the citizens to understand financial operations and conduct them without difficulties. Keeping this in mind, some of the smaller objectives of the PMJDY scheme include the following:
1. Dividing each district into Sub Service Areas (SSA) to ensure banking services are available to them
2. Providing each household with Basic Banking Accounts and RuPay Debit cards
3. Spreading financial literacy to the village levels
4. Creating Credit Guarantee Fund for covering defaults in overdraft accounts
5. Providing microinsurance to the eligible citizens
6. Designing pension schemes like Swavlamban for the unorganized sector
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News and Updates

PM Jan Dhan Yojana: Government plans to give Rs 10k to account holders; check benefits and other details here

23rd November 2022

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